You can send and receive payments in real time through the mobile number connected to the user’s bank account in one of the connected banks with the Swish app. It is a cooperation in Sweden between Handelsbanken, Nordea, SEB, Swedbank, Danske Bank, Länsförsäkringar Bank, and Sparbankerna. Today, 1 250 000 customers use Swish. I myself have used it to divide expenses between friends, pay and get paid for sales in Facebook groups, and when I sold clothes at a flea market, I could accept Swish payments, this was used by several since they had ran out of cash. And that is a great advantage, I rarely have cash with me, but I have always my mobile.
Swish as a Payment Option
Last week, I was pleased to see that the children wear’s store Kompani Knut started to accept Swish as a payment option. Until now, it has been a service for private persons, but companies, associations, and organizations can now accept Swish payments. Instead of a regular mobile number, companies have a Swish number that is used in the same way. I hope to see this payment options in more shops during the year. When login devices from the banks and 3D Secure solutions can complicate ordering when you are on the go, Swish solves this with a few simple clicks in the app. The smaller shops with few orders per day have an advantage to handle this manually in the same way as bank pre payments have been handled before. But with the increased use of the app, and the appreciation, I think more with implement it with special solutions to check payments and flag when an order can be picked and packed. If you use Swish for your own purposes, you might be more eager to introduce it in your own shop.
Save the Receipt
Another news to me that I saw last week when I shopped at Polarn o. Pyret, was digital receipts that are saved in the app Sparakvittot (Save the receipt). Sparakvittot is a cloud-based service to save receipts digitally. You can easily find your receipts when you need them for returns, exchanges or complaints. Together with the receipt, you have the opportunity to save warranties, and different instructions. You can also get a reminder when a warranty is about to expire. And an overview over you purchases if you want to categorize them.
You can choose to save it digitally in the store by showing ID and letting the staff know that you want a digital receipt. You can also send it from the mobile, take a picture of the receipt and upload it in the app. There is also a possibility to login to the account and upload receipts as PDFs or scanned receipts. You can easily e-mail e-commerce purchases to your account to save the receipts there. Maybe you can also see an automatization where the e-commerce receipts are sent directly as well to the account to be saved with the customer’s other receipts.
Several says in different surveys that returns haven’t been possible since the receipt is lost, and a large part are positive to saving receipts digitally. 1.5 billion paper receipts are printed every year in Sweden, most of them are thrown away immediately. And when you need a receipt, it is rarely where it should be. Now you don’t even need to save paper receipts for Skatteverket in Sweden, since a couple of years they also accept digital receipts. It is a modern way of thinking, both for the environment, and new technology.
